SEPA Deposit & Spend Cashback Campaign

1. Overview

The SEPA 0% Fee Deposit & Spend Campaign (the “Campaign”) is a targeted campaign for selected approved KAST users in Europe who have activated SEPA accounts and can deposit EUR via SEPA.

During the Campaign Period, EUR deposits via SEPA have 0% fees and no FX fee. Selected users may receive a one-time $50 cashback reward after they complete both of the following actions during the Campaign Period:

• Deposit at least $2,000 via SEPA.
• Spend at least $1,000 with their KAST Card.

The $50 cashback reward is available only to selected users who receive the Campaign offer directly from KAST.

Each week, KAST may remove users who have already completed the qualifying deposit and spend requirements from further reminder communications. Users who have not completed the qualifying requirements may continue receiving Campaign reminders.

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2. Reward details

Eligible participants in the incentive group may receive one $50 cashback reward after completing both qualifying actions during the Campaign Period:

• Deposit at least $2,000 via SEPA.
• Spend at least $1,000 with a KAST Card.

Each eligible participant may receive a maximum of one $50 reward under this Campaign.

The Campaign has a capped reward pool. Rewards are limited and available only while the Campaign cap has not been reached. KAST may end the Campaign once the cap is reached.

Rewards are credited only after KAST verifies that the participant has satisfied all eligibility criteria, deposit requirements, spend requirements, and Campaign rules.

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3. Eligibility

To be eligible for the $50 cashback reward, a participant must satisfy all of the following:

• KYC requirement: The participant must have completed identity verification and all onboarding requirements before the end of the Campaign Period.
• Account standing: The participant’s KAST account must remain open and in good standing through the reward distribution date.
• SEPA account requirement: The participant must have an activated SEPA account and be able to deposit EUR via SEPA.
• Targeting requirement: The participant must be directly selected by KAST and included in an eligible Campaign cohort.
• Minimum activity: The participant must deposit at least $2,000 via SEPA and spend at least $1,000 with a KAST Card during the Campaign Period.

Eligible Campaign cohorts may include:

• Approved users with activated SEPA accounts who have never deposited.
• Approved users with activated SEPA accounts who deposited before but have not deposited in the last 14 days.
• Other selected approved users with activated SEPA accounts identified by KAST as part of the Campaign test.

Active SEPA depositors who deposited in the last 14 days are excluded from this Campaign version unless KAST decides to include them in a later expansion.

The Campaign is available only in approved launch countries and only to users directly selected by KAST to receive the Campaign offer.

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4. How to participate

To participate, an eligible user must complete the steps communicated in the Campaign message, which may include:

Step 1: Sign up or log in to the KAST app and ensure the KAST account is in good standing.

Step 2: Deposit at least $2,000 via SEPA during the Campaign Period.

Step 3: Spend at least $1,000 with a KAST Card during the Campaign Period.

Step 4: Keep the qualifying deposit and qualifying transaction valid through verification and reward distribution.

Participation may be automatic for selected users who receive the Campaign offer and complete the qualifying actions. If any Campaign communication requires opt-in, the user must complete the stated opt-in step before participating.

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5. Qualifying deposits and spend

• Qualifying deposits must be made in EUR via SEPA during the Campaign Period.
• Deposits made before the Campaign Period do not count toward the $2,000 deposit requirement.
• Deposits that are reversed, returned, cancelled, fraudulent, disputed, or otherwise invalid do not count.
• Qualifying spend must be made with a KAST Card during the Campaign Period.
• Spend made before the Campaign Period does not count toward the $1,000 spend requirement.
• Transactions that are refunded, reversed, disputed, charged back, fraudulent, cash-like, self-dealing, or otherwise excluded by KAST do not count.
• KAST may deduct refunded, reversed, disputed, or charged-back amounts from qualifying deposit or spend totals, including after a reward has been calculated or distributed.

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6. Campaign-specific rules

• The Campaign is available by invitation or targeted communication only.
• Each eligible participant in the incentive group may receive a maximum of one $50 reward.
• The Campaign has a capped reward pool.
• Rewards are available only while the Campaign cap has not been reached.
• KAST may end the Campaign once the cap is reached.
• If eligible claims exceed the Campaign cap, KAST may determine reward eligibility based on the order in which users completed the qualifying requirements, Campaign cohort rules, verification timing, or other reasonable operational criteria.
• KAST may remove participants who have already completed the qualifying requirements from future reminder audiences and continue messaging participants who have not yet completed the qualifying requirements.
• KAST may exclude transactions, deposits, users, merchants, countries, or categories where required by law, compliance requirements, network rules, sanctions, risk controls, or operational constraints.
• KAST may withhold, reverse, or claw back any reward if a participant fails to maintain the qualifying activity, reverses the qualifying deposit or transaction, closes the account, breaches KAST terms, or is found to have abused or manipulated the Campaign.
• Rewards are subject to Campaign budget availability and verification.
• KAST’s records and determinations regarding eligibility, qualifying deposits, qualifying spend, reward amount, payout timing, exclusions, and Campaign mechanics are final and binding, subject to applicable law.
• By participating in this Campaign, including by completing any qualifying action described on this page, claiming or redeeming any Campaign reward, or otherwise taking any step that this page identifies as a means of participation, you agree to these Campaign-specific rules and the terms set out in the “Important Information” section below.

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7. Reward distribution

Rewards will be credited after the Campaign Period ends and after KAST completes verification of eligibility, qualifying deposits, qualifying spend, exclusions, and Campaign cap availability.

KAST may delay, withhold, reverse, or claw back a reward where additional review is required or where KAST determines that the participant did not satisfy the Campaign requirements.

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Important Information

• Participation in this campaign (the “Campaign”) is strictly optional.
• The Campaign is governed by the campaign-specific rules on this page, the KAST Reward Terms, and the KAST Platform Terms, KAST Privacy Policy, each of which is incorporated by reference. If there is any inconsistency, the campaign-specific rules on this page prevail, followed by the KAST Reward Terms and then the KAST Platform Terms, except where applicable law requires otherwise.
• To be eligible, you must hold a KAST account that has completed identity verification and all onboarding requirements before the end of the Campaign Period and maintain your account in good standing through the date rewards are distributed.
• The Campaign is not available in all jurisdictions and is void where prohibited.
• Rewards are limited and not guaranteed. KAST reserves the right to amend, suspend, or cancel the Campaign or its mechanics at any time at its sole discretion, subject to applicable law.
• Rewards will be credited by the distribution date stated on this page. Where a reward must be actively claimed, rewards not claimed by the stated deadline are forfeited without compensation. Where the campaign-specific rules impose a holding period, minimum balance, or continued subscription requirement, failure to maintain it may result in reversal or clawback of the reward as described in those rules.
• Transactions that are refunded, reversed, disputed or charged back do not count as qualifying activity, and KAST may deduct such amounts from your qualifying volume, including after a reward has been distributed.
• KAST will disqualify any participant, and may withhold, reverse, or claw back any reward, where it reasonably determines that the participant has engaged in fraud, misrepresentation, or abuse of the Campaign, including the use of multiple, shared, or coordinated accounts; self-dealing, wash, or offsetting transactional; refund or chargeback cycling; exploitation of an error in Campaign mechanics; or any other manipulation of the Campaign.
• KAST cards are issued pursuant to license from the applicable card network. The Campaign is offered by KAST alone and is not sponsored, endorsed, or administered by any card network or any bank or issuing partner.
• KAST’s determinations regarding the Campaign, including eligibility and reward calculation, are final and binding, subject to applicable law. Nothing in these terms excludes or limits rights you have under applicable consumer protection law that cannot be waived by agreement. If you have a complaint, contact KAST support through the app or website.
• If contradictions exist between this English text and any translations, the original English version shall prevail and serves as the definitive reference for accuracy.